Columbus is turning 200 this year. A milestone for my hometown. A great city, a great place to live, and largely overlooked or dismissed as a "cowtown" by outsiders. Anyone who has this opinion would be in for a pleasant surprise if you visit or learn more about C-Bus!! I challenge you to!
200Columbus The Bicentennial Celebration for Columbus, OH
Midwestern viewpoints without pretentiousness, conformity, regularity or predictability. Hope you enjoy my work!
Halcyon Days - Walt Whitman
Not from successful love alone,
Nor wealth, nor honor'd middle age, nor victories of politics or war;
But as life wanes, and all the turbulent passions calm,
As gorgeous, vapory, silent hues cover the evening sky,
As softness, fulness, rest, suffuse the frame, like freshier, balmier air,
As the days take on a mellower light, and the apple at last hangs
really finish'd and indolent-ripe on the tree,
Then for the teeming quietest, happiest days of all!
The brooding and blissful halcyon days!
Nor wealth, nor honor'd middle age, nor victories of politics or war;
But as life wanes, and all the turbulent passions calm,
As gorgeous, vapory, silent hues cover the evening sky,
As softness, fulness, rest, suffuse the frame, like freshier, balmier air,
As the days take on a mellower light, and the apple at last hangs
really finish'd and indolent-ripe on the tree,
Then for the teeming quietest, happiest days of all!
The brooding and blissful halcyon days!
Showing posts with label life. Show all posts
Showing posts with label life. Show all posts
Wednesday, February 8, 2012
Sunday, September 11, 2011
9/11 Parent Essay - My Son Cole's Assignment
September 11, 2011
Hilliard
Memorial
RE: 9/11
Assignment
Cole
Linville - 8th Grade Hilliard Memorial M.S.
To
Whom it May Concern:
I
am told this essay is supposed to be about how America has changed
since 9/11. The short answer is that it certainly has changed.
The changes are sometimes hard to see and sometimes, obvious.
The
best way to describe the changes, in my opinion, is that prior to
9/11, the United States mainland had not been physically attacked by
an outside enemy since the 1800's. WWI, WWII, Korea, Vietnam,
Lebanon, Kuwait, Iraq...these are all areas where US citizens have
been killed, but they all occurred far away. The 9/11 attacks
happened in our homeland, in New York, Washington DC and
Pennsylvania. This is why 9/11 changed America so profoundly.
One
example of this change is the way we travel. TSA agents “patting
down” passengers, taking off your shoes in a airport, not being
allowed to wait at a gate unless you are a passenger, and bringing
only 4 ounces of liquid on plane are all habits that didn't exist
prior to 9/11.
Our
laws have changed dramatically, as well, affecting civil liberties
that are guaranteed to us by the Constitution. Police agencies have
much broader authority to stop and question and search civilians.
Many political prisoners no longer have a right to a speedy trial,
right to have charges read to them, rights to an attorney. Some
prisoners have been tortured during government sanctioned
interrogations. These are mostly unintended consequences, but many
come directly from choices our government has made in the aftermath
of 9/11.
Lastly,
war is seemingly a constant since 9/11. Prior to 9/11 there was
rarely a war in my lifetime, now there are long wars on multiple
fronts.. The War on Terror has taken a turn, in my opinion, from a
mission to stop terrorist organizations, to a political no-win gambit
to enforce American ideas and practices on foreign cultures.
However, recent events akin to the tearing down of the Berlin Wall in
Egypt, Libya, Syria and other middle eastern countries show that
their world is changing and the people of those countries are ready
for a change. Perhaps they are motivated in some ways by changing
world attitudes since 9/11.
One
thing that hasn't changed is the American spirit. While we were
shocked by the events of 9/11, we have eventually rebuilt. A
newsman stated that America is a nation of builders, not destroyers.
I believe that. Another stated, Americans do not live in fear,
Americans live in freedom. That's a good message on which to end.
Sincerely,
J.
Bradford Linville
Monday, August 15, 2011
Why I Love Warren Buffett and why Republicans will probably say he's wrong!
This is a reprint of an article by Warren Buffett that appeared in the New York Times recently. I think it is a pretty good comeback post for my blog considering what I have been ruminating about privately. I only wish anyone in Congress would listen to Warren Buffett rather than some T-Bagging right wing idiot! But they probably won't, so for the rest of us, please read this extraordinary opinion piece of common sense:
OUR leaders have asked for “shared sacrifice.” But when they did the asking, they spared me. I checked with my mega-rich friends to learn what pain they were expecting. They, too, were left untouched. While the poor and middle class fight for us in Afghanistan, and while most Americans struggle to make ends meet, we mega-rich continue to get our extraordinary tax breaks. Some of us are investment managers who earn billions from our daily labors but are allowed to classify our income as “carried interest,” thereby getting a bargain 15 percent tax rate. Others own stock index futures for 10 minutes and have 60 percent of their gain taxed at 15 percent, as if they’d been long-term investors. These and other blessings are showered upon us by legislators in Washington who feel compelled to protect us, much as if we were spotted owls or some other endangered species. It’s nice to have friends in high places.
Last year my federal tax bill — the income tax I paid, as well as payroll taxes paid by me and on my behalf — was $6,938,744. That sounds like a lot of money. But what I paid was only 17.4 percent of my taxable income — and that’s actually a lower percentage than was paid by any of the other 20 people in our office. Their tax burdens ranged from 33 percent to 41 percent and averaged 36 percent. If you make money with money, as some of my super-rich friends do, your percentage may be a bit lower than mine. But if you earn money from a job, your percentage will surely exceed mine — most likely by a lot.
To understand why, you need to examine the sources of government revenue. Last year about 80 percent of these revenues came from personal income taxes and payroll taxes. The mega-rich pay income taxes at a rate of 15 percent on most of their earnings but pay practically nothing in payroll taxes. It’s a different story for the middle class: typically, they fall into the 15 percent and 25 percent income tax brackets, and then are hit with heavy payroll taxes to boot. Back in the 1980s and 1990s, tax rates for the rich were far higher, and my percentage rate was in the middle of the pack. According to a theory I sometimes hear, I should have thrown a fit and refused to invest because of the elevated tax rates on capital gains and dividends. I didn’t refuse, nor did others. I have worked with investors for 60 years and I have yet to see anyone — not even when capital gains rates were 39.9 percent in 1976-77 — shy away from a sensible investment because of the tax rate on the potential gain. People invest to make money, and potential taxes have never scared them off.
And to those who argue that higher rates hurt job creation, I would note that a net of nearly 40 million jobs were added between 1980 and 2000. You know what’s happened since then: lower tax rates and far lower job creation. Since 1992, the I.R.S. has compiled data from the returns of the 400 Americans reporting the largest income. In 1992, the top 400 had aggregate taxable income of $16.9 billion and paid federal taxes of 29.2 percent on that sum. In 2008, the aggregate income of the highest 400 had soared to $90.9 billion — a staggering $227.4 million on average — but the rate paid had fallen to 21.5 percent. The taxes I refer to here include only federal income tax, but you can be sure that any payroll tax for the 400 was inconsequential compared to income. In fact, 88 of the 400 in 2008 reported no wages at all, though every one of them reported capital gains. Some of my brethren may shun work but they all like to invest. (I can relate to that.)
I know well many of the mega-rich and, by and large, they are very decent people. They love America and appreciate the opportunity this country has given them. Many have joined the Giving Pledge, promising to give most of their wealth to philanthropy. Most wouldn’t mind being told to pay more in taxes as well, particularly when so many of their fellow citizens are truly suffering.
Twelve members of Congress will soon take on the crucial job of rearranging our country’s finances. They’ve been instructed to devise a plan that reduces the 10-year deficit by at least $1.5 trillion. It’s vital, however, that they achieve far more than that. Americans are rapidly losing faith in the ability of Congress to deal with our country’s fiscal problems. Only action that is immediate, real and very substantial will prevent that doubt from morphing into hopelessness. That feeling can create its own reality.
Job one for the 12 is to pare down some future promises that even a rich America can’t fulfill. Big money must be saved here. The 12 should then turn to the issue of revenues. I would leave rates for 99.7 percent of taxpayers unchanged and continue the current 2-percentage-point reduction in the employee contribution to the payroll tax. This cut helps the poor and the middle class, who need every break they can get.
But for those making more than $1 million — there were 236,883 such households in 2009 — I would raise rates immediately on taxable income in excess of $1 million, including, of course, dividends and capital gains. And for those who make $10 million or more — there were 8,274 in 2009 — I would suggest an additional increase in rate.
My friends and I have been coddled long enough by a billionaire-friendly Congress. It’s time for our government to get serious about shared sacrifice.
OUR leaders have asked for “shared sacrifice.” But when they did the asking, they spared me. I checked with my mega-rich friends to learn what pain they were expecting. They, too, were left untouched. While the poor and middle class fight for us in Afghanistan, and while most Americans struggle to make ends meet, we mega-rich continue to get our extraordinary tax breaks. Some of us are investment managers who earn billions from our daily labors but are allowed to classify our income as “carried interest,” thereby getting a bargain 15 percent tax rate. Others own stock index futures for 10 minutes and have 60 percent of their gain taxed at 15 percent, as if they’d been long-term investors. These and other blessings are showered upon us by legislators in Washington who feel compelled to protect us, much as if we were spotted owls or some other endangered species. It’s nice to have friends in high places.
Last year my federal tax bill — the income tax I paid, as well as payroll taxes paid by me and on my behalf — was $6,938,744. That sounds like a lot of money. But what I paid was only 17.4 percent of my taxable income — and that’s actually a lower percentage than was paid by any of the other 20 people in our office. Their tax burdens ranged from 33 percent to 41 percent and averaged 36 percent. If you make money with money, as some of my super-rich friends do, your percentage may be a bit lower than mine. But if you earn money from a job, your percentage will surely exceed mine — most likely by a lot.
To understand why, you need to examine the sources of government revenue. Last year about 80 percent of these revenues came from personal income taxes and payroll taxes. The mega-rich pay income taxes at a rate of 15 percent on most of their earnings but pay practically nothing in payroll taxes. It’s a different story for the middle class: typically, they fall into the 15 percent and 25 percent income tax brackets, and then are hit with heavy payroll taxes to boot. Back in the 1980s and 1990s, tax rates for the rich were far higher, and my percentage rate was in the middle of the pack. According to a theory I sometimes hear, I should have thrown a fit and refused to invest because of the elevated tax rates on capital gains and dividends. I didn’t refuse, nor did others. I have worked with investors for 60 years and I have yet to see anyone — not even when capital gains rates were 39.9 percent in 1976-77 — shy away from a sensible investment because of the tax rate on the potential gain. People invest to make money, and potential taxes have never scared them off.
And to those who argue that higher rates hurt job creation, I would note that a net of nearly 40 million jobs were added between 1980 and 2000. You know what’s happened since then: lower tax rates and far lower job creation. Since 1992, the I.R.S. has compiled data from the returns of the 400 Americans reporting the largest income. In 1992, the top 400 had aggregate taxable income of $16.9 billion and paid federal taxes of 29.2 percent on that sum. In 2008, the aggregate income of the highest 400 had soared to $90.9 billion — a staggering $227.4 million on average — but the rate paid had fallen to 21.5 percent. The taxes I refer to here include only federal income tax, but you can be sure that any payroll tax for the 400 was inconsequential compared to income. In fact, 88 of the 400 in 2008 reported no wages at all, though every one of them reported capital gains. Some of my brethren may shun work but they all like to invest. (I can relate to that.)
I know well many of the mega-rich and, by and large, they are very decent people. They love America and appreciate the opportunity this country has given them. Many have joined the Giving Pledge, promising to give most of their wealth to philanthropy. Most wouldn’t mind being told to pay more in taxes as well, particularly when so many of their fellow citizens are truly suffering.
Twelve members of Congress will soon take on the crucial job of rearranging our country’s finances. They’ve been instructed to devise a plan that reduces the 10-year deficit by at least $1.5 trillion. It’s vital, however, that they achieve far more than that. Americans are rapidly losing faith in the ability of Congress to deal with our country’s fiscal problems. Only action that is immediate, real and very substantial will prevent that doubt from morphing into hopelessness. That feeling can create its own reality.
Job one for the 12 is to pare down some future promises that even a rich America can’t fulfill. Big money must be saved here. The 12 should then turn to the issue of revenues. I would leave rates for 99.7 percent of taxpayers unchanged and continue the current 2-percentage-point reduction in the employee contribution to the payroll tax. This cut helps the poor and the middle class, who need every break they can get.
But for those making more than $1 million — there were 236,883 such households in 2009 — I would raise rates immediately on taxable income in excess of $1 million, including, of course, dividends and capital gains. And for those who make $10 million or more — there were 8,274 in 2009 — I would suggest an additional increase in rate.
My friends and I have been coddled long enough by a billionaire-friendly Congress. It’s time for our government to get serious about shared sacrifice.
Friday, July 8, 2011
Mortgage Foreclosures are going to get a Second Look. Wha-What ?!?
In the latest in the ongoing saga of the Feds vs. Banks on the subject of the foreclosure mess, it was announced that the 14 Largest Banks are going to be required to send letters out to any customers that had a foreclosure in progress in 2009 and 2010 that they can request a review of their file by an independent auditor to see if there were any mistakes in the foreclosure and if they are entitle to any financial compensation from those errors!
WOW!. This is not good new for the banks. On the one hand in may allow them to move forward on foreclosing on loans currently in default. On the other hand, the can of worms this could open up for the banks is monumental. We are talking potentially millions of loans that are subject to these letters. The numbers could be mitigated that a lot of those customers were defaulted out of court proceedings then, and will still not have any interest in reopening that chapter of their lives, BUT what if they do?
The article says that the Banks will hire independent auditors to review files after the letters go out. This could jump start the economy with how many independent auditors they could have to hire in order to make this a meaningful process!! The reviews are to be completed in 120 days. OK, so that means the umpteen million foreclosures that went on over the last 2 years will be reviewed for violations in that time frame? How is that even going to be possible? I don't know.
As much as I am mired in the world of the foreclosure by representing debtors, working with servicers, bankruptcies, etc., I think the only way to get out of this mess is to move forward. Do whatever it takes to get the wheels of the foreclosure machine moving again so that the Banks can get the bad loans off their books, the Courts can get through their dockets, the homes can get integrated back into the market and we can all cut our losses and begin rebuilding! It is not going to be pretty, there will be lots of pain, but the longer that things stay tied up, the longer it is going to continue to screw up the housing market.
It is probably good news for lawyers in my profession if we can use this to help our clients or get new clients that may have been wronged by the banks before and are now getting another bite at the apple. However, I have to balance my business interests out with the long term effects of this on the larger economy. Something the Big Banks never even considered when they were raking it in and raking their customers over the coals!!
Yeesh!
WOW!. This is not good new for the banks. On the one hand in may allow them to move forward on foreclosing on loans currently in default. On the other hand, the can of worms this could open up for the banks is monumental. We are talking potentially millions of loans that are subject to these letters. The numbers could be mitigated that a lot of those customers were defaulted out of court proceedings then, and will still not have any interest in reopening that chapter of their lives, BUT what if they do?
The article says that the Banks will hire independent auditors to review files after the letters go out. This could jump start the economy with how many independent auditors they could have to hire in order to make this a meaningful process!! The reviews are to be completed in 120 days. OK, so that means the umpteen million foreclosures that went on over the last 2 years will be reviewed for violations in that time frame? How is that even going to be possible? I don't know.
As much as I am mired in the world of the foreclosure by representing debtors, working with servicers, bankruptcies, etc., I think the only way to get out of this mess is to move forward. Do whatever it takes to get the wheels of the foreclosure machine moving again so that the Banks can get the bad loans off their books, the Courts can get through their dockets, the homes can get integrated back into the market and we can all cut our losses and begin rebuilding! It is not going to be pretty, there will be lots of pain, but the longer that things stay tied up, the longer it is going to continue to screw up the housing market.
It is probably good news for lawyers in my profession if we can use this to help our clients or get new clients that may have been wronged by the banks before and are now getting another bite at the apple. However, I have to balance my business interests out with the long term effects of this on the larger economy. Something the Big Banks never even considered when they were raking it in and raking their customers over the coals!!
Yeesh!
Labels:
foreclosure,
housing,
lawyer,
legal,
life,
real estate,
REO,
work
Monday, June 27, 2011
Heading to Boy Scout Summer Camp aka the Heart of Darkness!
"In and out of rivers, streams of death in life, whose banks were rotting into mud, whose waters, thickened with slime, invaded the contorted mangroves, that seemed to writhe at us in the extremity of an impotent despair. Nowhere did we stop long enough to get a particularlised impression, but the general sense of vague and oppressive wonder grew upon me. It was like a weary pilgrimage amongst hints for nightmares."
- Joseph Conrad, Heart of Darkness, Part 1
OK, well Chief Logan Reservation, the locale of this summer's Boy Scout Camp is not quite as bad as Joseph Conrad's tale of the Congo River, but I did get an e-mail confirmation that the trail to our campsite was "ankle deep in mud and standing water." That is pretty gruesome for a bunch of suburban adult leaders used to "drive in camping". I can't tell you that I am looking forward to the mud, but I am already proud of the scouts that are there and are going to overcome any weather related obstacles to have a great time at camp.
Not to sound too corny, because I was NOT a boy scout as a teen. (I was more of a Viking - looting and pillaging to the dismay of the law) I spent much of my formative years in the woods, in a creek, turning over rocks and generally getting dirty in the outdoors.
As a family, we camped and canoed and fished and spent some time outdoors, but I was not going to put on the uniform and get merit badges. It wasn't my thing. As an adult, however, I find the BSA program to be the best thing going for many of our kids that don't know anything but video games and soccer practice. BSA is a great opportunity to get into the woods, learn some outdoor skills that would have been considered essential 100 years ago, but are now novel and share some experiences with peers. I challenge anyone to find a downside to that.
I am heading into the mud, gladly, to spend a few days in the humid, insect filled summertime with my son and his friends to learn how to live in the woods, learn about ourselves and have fun doing it. Jealous? You should be!
- Joseph Conrad, Heart of Darkness, Part 1
OK, well Chief Logan Reservation, the locale of this summer's Boy Scout Camp is not quite as bad as Joseph Conrad's tale of the Congo River, but I did get an e-mail confirmation that the trail to our campsite was "ankle deep in mud and standing water." That is pretty gruesome for a bunch of suburban adult leaders used to "drive in camping". I can't tell you that I am looking forward to the mud, but I am already proud of the scouts that are there and are going to overcome any weather related obstacles to have a great time at camp.
Not to sound too corny, because I was NOT a boy scout as a teen. (I was more of a Viking - looting and pillaging to the dismay of the law) I spent much of my formative years in the woods, in a creek, turning over rocks and generally getting dirty in the outdoors.
As a family, we camped and canoed and fished and spent some time outdoors, but I was not going to put on the uniform and get merit badges. It wasn't my thing. As an adult, however, I find the BSA program to be the best thing going for many of our kids that don't know anything but video games and soccer practice. BSA is a great opportunity to get into the woods, learn some outdoor skills that would have been considered essential 100 years ago, but are now novel and share some experiences with peers. I challenge anyone to find a downside to that.
I am heading into the mud, gladly, to spend a few days in the humid, insect filled summertime with my son and his friends to learn how to live in the woods, learn about ourselves and have fun doing it. Jealous? You should be!
Friday, June 24, 2011
Yet Another Reason Dave Grohl and Foo Fighters Rule
I was trying to decide whether to write about the latest housing news (actually a "victory" for the good guys!), or a charity golf tournament that I would actually like to play in (for more than the beer and free hotdog). Then I came across a story I had to comment about.
By now, it should be no surprise that I have a bit of a thing for Foo Fighters and their fearless leader Dave Grohl - seen here in full caveman rocker mode. Well it seems that someone finally sought fit to spread their hilarious tour rider out to the interweb, courtesy of smoking gun. I hope this doesn't turn out to be fake, because I have seen a few different versions of it at different sites, but given what I know about Dave Grohl and the band's general sense of humor, it seems legit!!
This is a masterpiece of Tour Rider journalism. It is sarcastic, pays homages to the excesses of 70's Rockers, contains hilarious coloring book pages and some valuable lessons on roadie hygiene and the pitfalls of "sweaty meats".
Each band member takes a funny turn at teaching the venue catering staff some great tips and makes it fun to learn by providing mazes, puzzles and band image clip art to color! Just so we know that Foo Fighters haven't lost their edge, they also require a rock-band-worthy amount of alcohol! What are the guys and their guests drinking? Lots of the usual suspects Coors light, Guinness, Corona, local microbrews, wine and champagne, Jager, Crown Royal, Sky Vodka and mixers. Regular guy drinks (if regular guys are getting hammered before they go on!) I also like that they request that the family room be "near, but not necessarily next to the band room". The whole thing is also sprinkled with random gems like "Chewbacca did not get a medal at the end of Star Wars, which is a travesty!"
Basically, I've got my ticket to the show at Nationwide Arena in September and can't f'***ing wait!! The new album, Wasting Light, is an instant classic. It is recorded old school and sounds incredible. Their best offering yet and that is hard to do. Full album review coming soon, I just can't stop listening to it long enough to write about it yet.
Peruse the excerpts of the Tour Rider including the hilarious Catering Visual Enhancement and Activities in addition to the written excerpts linked above. It is a great look into the life of a touring rock band and provides unique insight into the minds of the one of the biggest best rock-bands out there. It is also comforting to know that my favorite band is also one of the cleverest. LONG LIVE FOO!!!
By now, it should be no surprise that I have a bit of a thing for Foo Fighters and their fearless leader Dave Grohl - seen here in full caveman rocker mode. Well it seems that someone finally sought fit to spread their hilarious tour rider out to the interweb, courtesy of smoking gun. I hope this doesn't turn out to be fake, because I have seen a few different versions of it at different sites, but given what I know about Dave Grohl and the band's general sense of humor, it seems legit!!
This is a masterpiece of Tour Rider journalism. It is sarcastic, pays homages to the excesses of 70's Rockers, contains hilarious coloring book pages and some valuable lessons on roadie hygiene and the pitfalls of "sweaty meats".
Each band member takes a funny turn at teaching the venue catering staff some great tips and makes it fun to learn by providing mazes, puzzles and band image clip art to color! Just so we know that Foo Fighters haven't lost their edge, they also require a rock-band-worthy amount of alcohol! What are the guys and their guests drinking? Lots of the usual suspects Coors light, Guinness, Corona, local microbrews, wine and champagne, Jager, Crown Royal, Sky Vodka and mixers. Regular guy drinks (if regular guys are getting hammered before they go on!) I also like that they request that the family room be "near, but not necessarily next to the band room". The whole thing is also sprinkled with random gems like "Chewbacca did not get a medal at the end of Star Wars, which is a travesty!"
Basically, I've got my ticket to the show at Nationwide Arena in September and can't f'***ing wait!! The new album, Wasting Light, is an instant classic. It is recorded old school and sounds incredible. Their best offering yet and that is hard to do. Full album review coming soon, I just can't stop listening to it long enough to write about it yet.
Peruse the excerpts of the Tour Rider including the hilarious Catering Visual Enhancement and Activities in addition to the written excerpts linked above. It is a great look into the life of a touring rock band and provides unique insight into the minds of the one of the biggest best rock-bands out there. It is also comforting to know that my favorite band is also one of the cleverest. LONG LIVE FOO!!!
Thursday, June 16, 2011
Still reaching for some good news about housing? Here it isn't!
I just finished reading another article desperately seeking good news on the housing front. The other day, there was one about the fact that "new build" building permits for May were up from year ago. I can attest to that as a local builder has ramped up construction on the final phase of my subdivision after about a six year standstill. That's decent news, although I really can't see the benefit of putting more new homes into the marketplace in most cities right now.
Today's article began by boasting how foreclosure notices fell to their lowest level since 2006! What they are measuring is the required default notice that is sent by the bank at the beginning of the foreclosure process. If the bank does not send this notice out, it can't proceed (in most jurisdictions) with the foreclosure. If anyone thinks this is good news they are not thinking straight. What this is a strong indicator of is that the Banks (B of A, Wells Fargo, etc.) have had to grind their foreclosures to a halt in some places. I have had more than one client tell me that a representative of their Bank told them that "After further review, the Bank has decided that it is not in their best interests to foreclosure on your home." This is after my client have not paid their mortgages in over a year. It is no longer worth it to the bank to foreclosure because they don't want to own the home and can't sell it if they did. This is now causing urban blight and other problems in certain cities and is guaranteed to affect the housing market negatively for quite a long time.
Sorry about this depressing topic, but if no one talks about it, it will NOT go away. Feel free to leave a comment with your well thought out solution to the whole mess!!
Next entry will "upbeat"...back to music maybe, it makes everything better.!
Today's article began by boasting how foreclosure notices fell to their lowest level since 2006! What they are measuring is the required default notice that is sent by the bank at the beginning of the foreclosure process. If the bank does not send this notice out, it can't proceed (in most jurisdictions) with the foreclosure. If anyone thinks this is good news they are not thinking straight. What this is a strong indicator of is that the Banks (B of A, Wells Fargo, etc.) have had to grind their foreclosures to a halt in some places. I have had more than one client tell me that a representative of their Bank told them that "After further review, the Bank has decided that it is not in their best interests to foreclosure on your home." This is after my client have not paid their mortgages in over a year. It is no longer worth it to the bank to foreclosure because they don't want to own the home and can't sell it if they did. This is now causing urban blight and other problems in certain cities and is guaranteed to affect the housing market negatively for quite a long time.
Sorry about this depressing topic, but if no one talks about it, it will NOT go away. Feel free to leave a comment with your well thought out solution to the whole mess!!
Next entry will "upbeat"...back to music maybe, it makes everything better.!
Saturday, May 28, 2011
Music is what life sounds like. - Eric Olson
OK, it's hard to find a quote about music that doesn't sound trite and hasn't been repeated a million times. I went with Olson because this is one of the shortest quotes I could find and he had obviously thought about this subject for a long time before he came up with this gem! I couldn't write this blog without including regular entries about music - what's new and cool, who everyone should listen to at least once, something obscure or something the doesn't work for me.
My favorite kind of music is --------------- anything that is good. Classic Rock, Metal, Hip Hop, Reggae, Classical, 70's Soft Rock, it barely matters what genre if it's smart and has soul and originality.
Take this song that you might be familiar with:
Its as good as it gets and so far ahead of its time I don't know how he came up with it - we'll just assume drugs for now, the point is this is a great song no matter what music you like. Hendrix is just one in a series of geniuses that were able to make music that touches millions of lives.


As a pretty stoic guy, "expressing myself" isn't the first thing on my list of things to do. For me music is an emotion. Music bring emotion to the room. It takes you back to how you felt at a specific moment in time. It uplifts, angers, saddens, delights, invigorates and exhausts.
I leave you with another quote. As a lawyer, I was surprised and impressed to see several quotes about music by Oliver Wendell Holmes . Quite the jurist and apparently "got it" about music.
Take a music bath once or twice a week for a few seasons. You will find it is to the soul what a water bath is to the body. ~Oliver Wendell Holmes
My favorite kind of music is --------------- anything that is good. Classic Rock, Metal, Hip Hop, Reggae, Classical, 70's Soft Rock, it barely matters what genre if it's smart and has soul and originality.
Take this song that you might be familiar with:
Its as good as it gets and so far ahead of its time I don't know how he came up with it - we'll just assume drugs for now, the point is this is a great song no matter what music you like. Hendrix is just one in a series of geniuses that were able to make music that touches millions of lives.


As a pretty stoic guy, "expressing myself" isn't the first thing on my list of things to do. For me music is an emotion. Music bring emotion to the room. It takes you back to how you felt at a specific moment in time. It uplifts, angers, saddens, delights, invigorates and exhausts.
I leave you with another quote. As a lawyer, I was surprised and impressed to see several quotes about music by Oliver Wendell Holmes . Quite the jurist and apparently "got it" about music.
Tuesday, May 24, 2011
Fractal Geometry
The background of my website is a fascinating image of something called the Mandelbrot Set which is a fractal. It is a popular example of a mathematical visualization. A fractal is a geometric shape that can be split into parts, each of which is a reduced copy of the whole. To see a zoom-able image of the Mandelbrot Set that will make your head spin, go here: Neave Fractal Zoom. For the mathematicians out there, or to ruin all of the mystique and fun of the Mandelbrot set, go here Wiki/Mandelbrot_set and get ready to have your mind blown!
Sunday, May 22, 2011
If it doesn't kill you....
If it doesn't kill you it makes you stronger. A concept that has always played a vital role in my life. Life is about experiences, good and bad. Bad one's came often for the last few years here in Ohio. Or maybe I take the good ones for granted. I have definitely been guilty of that. Maybe it's been a long, tempering, intense, taxing run for me, and most people I know, and our struggles are beginning to pay off. Hell, maybe its spring and the weather is finally turning. Good times are coming back again and I am going to try to take advantage of them this time around. The hard work is not over, re-focusing, the sour taste of the struggle, shedding the despair and rebuilding...stronger this time.
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